Proposal is an analysis made from the borrower's data and creditworthiness in order to create a pre contract with a specific interest rate, tax amount and payment conditions. The pre contract is also provided in PDF format.
{
"id": "jps2e31aw19h6jpgvbqac2ut9",
"creditLineId": "jps2e31aw1a4bsjkva44dw7y8",
"financialInstitution": {
"id": 1,
"name": "BMP Money Plus"
},
"externalCode": "xpto",
"contractUri": "https://bmpteste.moneyp.com.br/reportscustom/stone/imxx",
"contractDueDate": "2020-02-05T16:47:44",
"expirationDate": "2020-03-05T16:47:44",
"maximumDisbursementDate": "2019-07-06T16:47:44",
"borrowerId": "jps2e31aw19z491c8u3far58w",
"bankAccount": {
"id": "jps2e31aw1aa2dpzta2htzw9j",
"bankNumber": "085",
"branchNumber": "0102",
"branchDigit": "",
"accountNumber": "000033222",
"accountDigit": "1"
},
"creditAmount": 1000,
"interestRate": 5.75,
"creationDate": "2019-07-05T16:47:44",
"lastUpdateDate": "2019-07-05T16:47:44",
"status": "Active",
"retentionRate": 2.06,
"totalEffectiveCostRate": 6.23,
"monthlyTotalEffectiveCostRate": 6.23,
"annualTotalEffectiveCostRate": 106.32,
"operationFeeAmount": 100,
"taxAmount": 11.3
}